DBSA Vacancies

Share this post on

To apply, click on the link at the end of the posts and all the best with your applications

Senior Project Finance Specialist

Closing Date
2026/02/06
Reference Number
DBS260123-1
Job Title Senior Project Finance Specialist
Job Grade 19
Job Type Classification Contract
Location – Town / City Centurion
Location – Province Gauteng
Location – Country South Africa
Job Profile (Downloadable) Senior Project Finance Specialist Final July 2023.pdf (252.67 kb) – 1/23/2026 3:26:58 PM
Job Description
The Senior Project Finance Specialist role is a project finance function located within the Independent Power Producer Office (IPPO). The IPPO was established in 2010 to provide rapid solutions to South Africa’s severe electricity supply constraints, by procuring new energy generation capacity from Independent Power Producers (IPPs). The IPPO was created as a project office hosted by the Development Bank of Southern Africa (DBSA) under a Memorandum of Agreement (MoA) between the Department of Mineral Resources and Energy (DMRE), now the Department of Electricity and Energy (DEE), National Treasury and the DBSA. The mandate of the IPP Office is to provide specialised services to government, including a) IPP Energy Procurement Management, b) Monitoring, Evaluation and Contract Management, and c) Professional Advisory Services. The IPPO’s skills, expertise and success in mobilising and delivering on time is recognised domestically and globally.

The Senior Project Finance Specialist will effectively advise on, develop, implement and manage all the financial and funding aspects required for bankable project financed based procurement documentation. These will involve different power producing projects that will include Renewable Energy, Battery Energy Storage, Gas to Power, and Hybrid energy facilities and now the Independent Transmission Infrastructure Procurement Programme – ITIPP.

The role will report to the Head of Infrastructure Finance and will collaborate effectively with all other departments within the IPPO to deliver timeously on the IPPO’s mandates and strategy.

Key Responsibilities
These include but are not limited to:

Effective project finance management

•Contribute to the development of strategic plans for energy procurement

•Draft and review the conceptualization, design, and development of procurement documentation for the various programmes and manage Transactional Advisors involved in the process.

•Oversee the financial evaluation of received bids, negotiations on all relevant agreements, and the financial close process.

•Develop and maintain relationships and coordinate directly with project managers, legal team, technical team and advisors in the analysis, drafting of procurement documentation, negotiation, and execution of agreements/contracts.

•Confer with various stakeholders to assess project finance needs and consolidate to ensure that needs have been considered during the procurement phase.

•Conduct financial analysis, potential investment interests into potential projects and market related financial insights to support effective decision making

Effective and efficient reporting

•Create detailed reports and budgets in written and verbal form for presentation to stakeholders, senior management and internal audit staff, maintaining records with risk management

•Prepare reports and/or present to management on outcome of analysis performed in relation to risk allocation, bankability issues, optimisation & and any project finance activities related to projects

•Clearly articulate and consolidate the risk and rewards of potential transactions to the executive management team and provide recommendations for mitigation

Financial Modelling & Analysis

•Prepare and present financial reports to stakeholders

•Manage the elaboration of the documentation required for various project stakeholders, including building charts from spreadsheets to facilitate understanding of complex financial data

•Responsible for preparing, assisting with, and reviewing financial models and analyses, including those prepared by other team members, while also providing expertise and guidance on financing, accounting, and tax-related inputs.

•Provide oversight and assistance in the development and management of complex financial models utilised to inform key decision-making processes at both the project/programme-level and corporate-level.

Risk assessment and mitigation

•Develop risk assessments and potential risk mitigations.

•Manage various risk assessments performed and consolidate quantified results to influence strategic business decisions by management and key stakeholders

•Assess and manage financial risks associated with energy procurement activities and recommend mitigation measures

•Manage the budget for the various programmes in regards to the Financial Advisor requirements

People Enablement

•Model high performance behaviour in line with the leadership principles internally and externally.

•Create the conditions that enable the team to perform (e.g. team spirit, providing the right structure, involving the team in decision making).

•Source and manage scarce specialist skills and resources.

•Establish and monitor performance standards with direct reports.

•Provide regular feedback regarding staff performance.

Expertise & Technical Competencies
The successful incumbent should have:

Post Graduate Qualification in finance, accounting or related field. Advanced degree such as CA, CFA or MBA is preferred
Extensive experience in project finance, preferably in the energy or public sector
At least 10 years’ experience in providing financial advisory services preferably in large public procurement.
At least 5 years’ experience in leadership roles
Programme Management Experience. In-depth knowledge and understanding of Project Management and Project Finance methodologies

Knowledge and understanding of financial business case management
Knowledge and understanding of the public sector
Knowledge and understanding of the principles of business strategy
Knowledge of the macro – economic environment of the county.

In-depth knowledge of various legislations related to the IPP Office

Presentation skills
Interpersonal & Networking skills
Financial and business analytic skills
Strong verbal and written skills
Problem Solving skills
Decision making skills
Coaching and mentoring skills
Attention to Detail

Required Personal Attributes
•Analysis and Judgement
•Numerical Reasoning
•Assertiveness
•Excellence Orientation
•Investigative Orientation
•Customer Responsiveness
•Business Acumen
•Planning and Prioritising
•Ability to Influence
•Leadership

Click here to apply

Public Relations Officer

Closing Date
2026/02/02
Reference Number
DBS260113-1
Job Title Public Relations Officer
Job Grade 00
Job Type Classification Permanent
Location – Town / City Midrand
Location – Province Gauteng
Location – Country South Africa
Job Profile (Downloadable) Public Relations Officer _Job Profile December 2025.pdf (274.66 kb) – 1/13/2026 1:32:31 PM
Job Description
The Public Relations Officer is responsible for developing and executing strategic communication and public relations functions that enhance and protect the Bank’s reputation, manage its public image, and foster positive relationships with internal and external stakeholders. This role involves overseeing internal and external media relations, and crisis management to support the Bank’s mission and objectives.

Key Responsibilities
Strategic Planning

Develop and implement integrated public relations and communication strategies aligned to the Bank’s corporate strategy and market positioning.
Formulate and implement comprehensive annual and multi-year communication plans with clearly defined objectives, performance indicators, priority audiences, and coherent messaging frameworks that support the Bank’s strategic and developmental outcomes.
Provide strategic counsel to management on public relations priorities, reputational considerations, and emerging communication risks and opportunities.
Plan, manage and optimise the public relations and communications budget responsibly to ensure alignment with the Bank’s priorities, efficient allocation of resources and maximum impact.
Communication Management

Manage and proactively strengthen the Bank’s reputation across traditional, digital, and stakeholder platforms.
Oversee consistent corporate messaging and brand positioning across all internal and public-facing communications.
Develop high-quality content and communication for press releases, reports, speeches, website content, and communication materials.
Manage internal communication initiatives where external messaging alignment is required.
Drive compliance with governance, regulatory, and approval processes for internal and external communications.
Media and Public Relations

Build and maintain strong relationships with media outlets to ensure positive coverage of the Bank’s activities.
Draft and distribute press releases, ensuring timely and accurate dissemination of information.
Monitor media coverage and analyse its impact on the Bank’s reputation, and where required, implement responses to mitigate adverse impact.
Support engagement with key internal external stakeholders, including employees, government, regulators, investors, partners, and communities.
Manage responses to public, media, and stakeholder enquiries in a manner that upholds the brand and reputation of the Bank.
Advise executives and management on public relations, media engagement, and reputational risk matters to ensure informed and consistent external communication.
Provide training, coaching, and awareness sessions to executives and employees on media protocols, brand positioning, crisis communication, and appropriate public engagement.
Develop and disseminate communication guidelines, toolkits, and key messaging to support staff in representing the Bank effectively across all platforms.
If required, act as a spokesperson for the Bank, delivering clear, accurate, and consistent messages to the media and stakeholders in line with approved communication strategies and governance protocols.
Coordinate and manage spokesperson activities, including preparing talking points, key messages, and briefing notes for executives and designated representatives.
Oversee and direct all public statements, interviews, and responses to media enquiries in line with the Bank’s strategic objectives, brand positioning, and reputational risk management requirements.
Crisis Management

Develop and implement crisis communication plans to protect the Bank’s reputation during adverse events.
Maintain clear and consistent communication with stakeholders during crises.
Coordinate communication responses during reputational risks or crises to protect the Bank’s credibility.
Provide rapid, accurate, and consistent messaging during high-risk or sensitive situations.
Stakeholder Management

Foster positive relationships with key stakeholders, including government entities and the public.
Implement mechanisms to gather and respond to stakeholder feedback.
Support engagement with key internal and external stakeholders, including employees, government, regulators, investors, partners, and communities.
Coordinate public-facing events, briefings, and stakeholder communication initiatives.
Manage responses to public, media, and stakeholder enquiries in a timely and professional manner.
People Management

Lead, mentor, and develop a high-performing team, fostering a culture of collaboration, accountability, and continuous learning to maximise individual and collective potential.
Drive talent development initiatives, including coaching, performance management, and career pathing, to build and retain a skilled and motivated team.
Provide direction and management to the team, to enable strategy execution.
Attract, retain, develop talent and ensure sufficient capacity and capability in critical functions, supporting diversity strategies and initiatives as well.
Promote DBSA values and a culture of high performance through implementing performance management in line with the planned strategic objectives, goals, quality standards and agreed key performance measures using sound performance management principles.
Contribute to building synergies and cooperation across functions in the DBSA.
Live the DBSA values.
Reporting and Monitoring

Produce accurate, insightful reports and continuously monitor key metrics to assess progress against objectives.
Analyse data to identify trends, inform strategic decisions, and provide stakeholders with clear, actionable information that supports ongoing performance improvement and accountability.
Prepare reports for committees and governance structures on critical public relations events.
Key Measurements of Outputs

Delivery of integrated public relations and communication strategies and plans that demonstrably support the Bank’s corporate strategy, development mandate, and market positioning within approved timelines and budgets.
Measurable improvement and sustained strength in the Bank’s reputation, brand consistency, and media sentiment across traditional, digital, and stakeholder platforms.
Quality, clarity, and consistency of internal and external communications, including effectiveness of messaging, content standards, and alignment across all communication channels and platforms.
Effectiveness and quality of media relations, including timely, accurate media outputs, constructive media coverage, and professional handling of media and public enquiries.
Compliance with governance, regulatory, and approval processes, including effective management of reputational risk and credible communication responses during crises or sensitive situations.
Quality and impact of stakeholder engagement, reflected in positive stakeholder feedback, successful public-facing initiatives, and responsive, professional communication with key audiences.
Performance, capability, and engagement of the communications team, evidenced by achievement of objectives, talent development, collaboration across the Bank, and demonstration of organisational values.
Expertise & Technical Competencies
Qualifications

Minimum Requirements

A Bachelor’s Degree in Public Relations or Communications or Journalism, or Marketing
Experience

Minimum Experience

A minimum of 10 years’ progressive experience in public relations, corporate communications, or journalism within medium to large organisations, including demonstrated responsibility for strategic communication planning, media relations, reputation management, and stakeholder engagement.
Experience in acting as a spokesperson or communicating on behalf of the organisation.
In-depth demonstrated experience in media engagement, reputation management, and crisis communication.
Excellent stakeholder and media relationship management.
Proven track record in a leadership role managing PR teams and projects within the corporate environment.
In-depth understanding of PR practices and methodologies.
Familiarity with the media landscape in South Africa and a strong network within the environment.
Extensive experience engaging with the CEO, Executives, Board members, and senior stakeholders across multiple sectors.
Desired Requirements

Previous experience in the financial services or development finance sector.
A postgraduate degree in Public Relations or Communications or Journalism, or Marketing
Public relations experience at international level
TECHNICAL COMPETENCIES

Marketing and Communication
Extensive understanding of marketing and communication principles and best practices.
Ability to support the development and implementation of a marketing and communication strategy, and represent DBSA in conferences, seminars and events, where relevant.
DBSA Brand Management

Makes the brand management an integral part of the DBSA’s strategy.
Ensures adoption of brand positioning by all internal and external stakeholders.
Engages & influences internal and external stakeholders and persuades them of the effectiveness of the marketing strategy and brand management positioning.
Integrates the brand strengths with the brand equity of the organisation to build stakeholder relationships.
Presentation Skills

Understands how to present objectives in a compelling manner and maintain the interest of the audience.
Knows how to deliver presentations appropriately (e.g. maintaining eye contact, the appropriate use of hand gestures etc.) and at the correct pace.
Knows how to clarify and confirm people’s feelings, concerns and needs.
Verbal Communication

Development of tailored communication strategies for diverse stakeholder groups.
Able to communicate complex problems or concepts by making them simple and understandable for others.
Adapts language to the level of the audience in order to ensure that the message has a positive impact and is interesting to the audience.
Is articulate, demonstrates a wide range of vocabulary, and is confident when talking to large/high-level audiences.
Written Communication

Is relied on by others to help them write complex technical and non-technical documents and briefs.
Is able to determine which aspects of this knowledge area need to be transferred to others to achieve organisational goals.
Coaches others and transfers communication skills and knowledge to others.
Detail Orientation

Identifies multiple sources/approaches of information to ensure that details are addressed.
Reviews the work of others for accuracy and thoroughness.
Follows up to ensure tasks are completed and commitments met by others.
*The KPA’s, competencies and relationships listed in this document, are not exhaustive, and the incumbent will be expected to undertake
additional duties within their capacity to meet the needs of business and/or the business unit.

Required Personal Attributes
LEADERSHIP/BEHAVIOURAL COMPETENCIES

Attention to Detail

Establishes and implements new ways of working for the team to improve quality.
Uses past experiences to design new workflows seeking order and quality.
Teamwork and Cooperation

Values and utilises the expertise of colleagues, asking for ideas and input and collaborates to form decisions and plans.
Willingly learns from others.
Creates opportunities for knowledge and expertise sharing between all members of the team.
Flexibility

Changes the overall plan, goal, or project to fit the situation.
Makes small or temporary organisational changes to meet the needs of a specific situation.
Impact and Influence

Uses chains of indirect influence or experts / third parties to influence.
Uses an in-depth understanding of the interactions within a group to move toward a specific agenda.
Driving delivery of results

Identifies and implements a business opportunity that will have a long-term impact on the business (which may include the organisation’s reputation or brand image).
Monitors progress and adapts the plan if necessary to ensure optimal benefit to the business.
Makes decisions, sets priorities, or chooses goals on the basis of inputs and outputs: makes explicit considerations of potential profit, return on investment, or cost benefit analysis.
Based on the cost-benefit analysis, makes decisions of an entrepreneurial risk nature.

Click here to apply

Credit Model Technician

Closing Date
2026/02/10
Reference Number
DBS260112-1
Job Title Credit Model Technician
Job Grade 15
Job Type Classification Permanent
Location – Town / City Midrand
Location – Province Gauteng
Location – Country South Africa
Job Profile (Downloadable) Credit Model Technician_Job Profile November 2025 Final.docx.pdf (274.09 kb) – 1/12/2026 4:12:39 PM
Job Description
The Credit Model Technician is responsible for developing, maintaining and enhancing Credit Risk Models and tools that support the Credit Lab’s analytical, pricing, and risk management functions. The role ensures the accuracy, reliability and compliance of credit risk models while enabling effective decision-making across business and operational divisions. The incumbent collaborates closely with risk, credit, data, and systems teams to ensure seamless integration of models into credit systems and processes.

Key Responsibilities

Credit Model Development

Maintain, enhance and troubleshoot existing credit risk models and tools.
Develop business cases for new credit risk models for submission to the Risk Models Technical Committee.
Prepare detailed technical specifications for the development of credit risk models.
Design, develop and test credit risk models and risk measurement tools.
Support external consultants and internal credit model developers in developing and refining credit risk models.
Provide technical advice on model development methodologies, assumptions and design.

Credit Lab Data Warehouse

Use credit and portfolio data for developing and maintaining credit risk models.
Validate accuracy and completeness of data flows between models, systems and data sources.
Perform data quality checks and identify data anomalies ahead of model use.

Credit System Platform

Support the Credit System Architect to design, build and maintain the platform used to house credit risk models and tools.
Provide technical and user support for all credit risk tools implemented on the platform.
Develop and maintain user manuals, technical documentation and process guides.
Support implementation, testing and training of credit systems and modelling tools.

Credit Risk Pricing and Rating

Support the Credit Lab Manager in the activities of the Pricing Working Group.
Validate credit ratings, PDs, LGDs and related risk metrics used within the pricing model.
Conduct review and testing of model outputs to ensure consistency with pricing requirements.
Validate data inputs and information used in credit rating and risk assessment models.
Test and verify standardised outputs from credit rating models are complete, accurate and reliable.
Liaise with Credit Officers, Investment Officers, Technical Experts and Portfolio Officers to ensure consistency and integrity of rating information.

Governance and Reporting

Prepare submissions for the Technical Committee relating to model development, validation and maintenance.
Ensure compliance with scheduled model maintenance cycles and governance requirements.
Demonstrate model performance over time and highlight emerging issues or trends.
Provide well-reasoned responses to questions and challenges raised by the Committee.
Produce accurate and insightful analyses and reports that support credit and risk decision-making.
Ensure reliability and traceability of data used in all reporting.

Stakeholder Management

Build and maintain effective relationships with management, business units, and key stakeholders to facilitate
effective operational support.

Key Measurements of Outputs

Delivery against agreed model development and maintenance timelines.
Accuracy and reliability of model outputs and documentation.
Quality and completeness of submissions to the governance committees.
User adoption and satisfaction with credit systems and tools.
Successful validation of credit risk data, ratings and metrics.
Compliance with internal model governance standards and audit requirements

Expertise & Technical Competencies
a) Data Collection and Analysis

Skilled in the use of advanced/complex analytical techniques.
Ability to use judgement to decide upon the most appropriate analytical techniques according to the situation.
Recognises underlying principles, patterns, or themes in an array of related information, and determines whether additional information would be useful or necessary.
Through an in-depth understanding of the business environment, reviews outputs of analysis to identify anomalies and concludes, relating these to operational circumstances.
Ability to model a range of scenarios covering all potential business circumstances and highlight potential risks/opportunities.
b) Detail Orientation

Identifies complex problems based on a broad range of factors, many of which are ambiguous or difficult to define.
While remaining guided by organisational values, identifies optimal solutions, thinking first in terms of possible approaches and flexibilities in the system vs. blind adherence to rules or procedures.
Evaluates the effectiveness and efficiency of solutions after they have been implemented and identifies needed changes.
d) Policies and Procedures

Has a detailed understanding of relevant policies and procedures and interprets these according to operational circumstances to ensure compliance.
Understands the business context sufficiently to recommend improvements and modifications to existing policy.
Is able to write new procedures.
e) Reporting

Designs / customises reports to meet user needs.
Prepares complex or tailored reports, gathers information from a variety of sources, analyses and includes in a report.
Keeps standard reports under review and proposes improvements to meet user needs.
f) Financial Acumen

Makes sound financial decisions after having analysed their impacts on the organisation, partner agencies, and community.
Effectively prepares budgetary submissions and forecasts for own department.
Knows the internal and external factors that impact resource and asset availability.
Ability to interpret management account reports in an operational/commercial context and take action as appropriate to maximise revenues and control costs.
g) Risk Management Policies and Procedures

Develops innovative approaches to managing significant business risks effectively and efficiently.
Leads implementation, execution and monitoring activities.
Advises on best solutions and foresees the impact of changes in regulations, policies and procedures for non-complex and increasingly complex business issues.
Minimum Qualification

A Bachelor’s Degree in Informatics, Mathematics, Risk Management, Accounting, Statistics, Actuarial Science,
Finance or a related field.
Minimum Experience

A minimum of 5 years’ experience in developing credit models and tools, statistical modelling and validation in a credit risk management environment.
Experience in credit management in the banking and/or financial services sectors.
Good knowledge of data management.
In-depth knowledge of credit rating methodologies.
Exposure to credit risk systems, data warehousing or model implementation environments.
In-depth knowledge of Basel II/III, IFRS 9 and other credit risk regulatory frameworks.
Demonstrated ability to programme data solutions in SQL, SAS, Python, R, Power BI or similar modelling and analytics tools.
Desirable Requirements

A Postgraduate Degree in Statistics.
Experience in a Development Finance institution.
Required Personal Attributes
a) Analytical Thinking

Analyses and interprets multiple complex causal links: several potential causes of events, several consequences of actions, or multiple-part chains of events in order to prioritise and develop a plan of action.
b) Attention to Detail

Monitors the quality of others’ work.
Checks to see that procedures are followed by others.
Keeps clear, detailed records of own and/or others’ activities.
c) Integrity

Takes pride in being trustworthy, serves all equally, respects others and embraces diversity.
Is honest in all relations (internal/external relations).
Is capable of challenging senior managementm (appropriately and respectfully) in order to
act on espoused values.
d) Strategic and Innovative Thinking

Experiments with new approaches, tests scenarios, questions assumptions and challenges conventional thinking.
Creates new concepts that are not obvious to others, leveraging internal and external sources of information, to build incremental revenue and growth opportunities.
e) Driving Delivery of Results

Sets challenging goals that will have a significant impact on the business or support the organisational strategy.
Commits significant resources and/or time to ensure that challenging goals are achieved, while also taking action to mitigate risk.
f) Teamwork and Cooperation

Openly praises others who have made contributions to the group’s efforts.
Empowers others, making them feel valued, strong and important.
Encourages others after a setback.
g) Customer Service Orientation

Tries to understand the underlying needs of customers and matches these needs to available or customised products and services.
Adapts processes and procedures to meet ongoing customer needs.
Utilises the feedback received by customers to develop new and/or improve existing services/ products that relate to their ongoing needs.
Thinks of new ways to align DBSA’s offerings with future customer needs.

Click here to apply

Head Programme Operations

Closing Date
2026/02/10
Reference Number
DBS251210-2
Job Title Head Programme Operations
Job Grade 00
Job Type Classification Permanent
Location – Town / City Midrand
Location – Province Gauteng
Location – Country South Africa
Job Profile (Downloadable) Head Programme Operations_Job Profile October 2025.docx (002).pdf (311.16 kb) – 12/10/2025 3:54:32 PM
Job Description
Lead the development and operationalisation of the centralised Programme Management Office (PMO) frameworks,
policies, and standards to ensure strategic alignment with DBSA’s financial targets and delivery priorities. Provides
strategic oversight and operational leadership for programme execution, driving consistency, compliance, and
excellence across internal and external programmes. Fosters stakeholder collaboration and optimises resource
utilisation to support DBSA’s impact-driven mandate.

Key Responsibilities
Key Performance Areas:

Strategic Focus

Lead the design and implementation of operational frameworks, tools, and standards for programme delivery.
Ensure alignment of programme operations with DBSA’s strategic investment goals and impact targets.
Oversee integration of planning, execution, and monitoring across all programme portfolios.
Ensure operational efficiency in the delivery of programmes’ annual targets and strategic objectives.
Project Management Office (PMO) Services

Develop and maintain PMO frameworks, tools, and methodologies to support programme delivery.
Provide centralised support services including scheduling, reporting, and performance tracking.
Ensure consistency and quality across programme management practices.
Structuring PMO governance and operational models.
Programme Governance Development

Design and implement governance models tailored to programme needs and stakeholder requirements.
Promote accountability, transparency, and compliance across all programme activities.
Align governance structures with DBSA’s strategic and operational objectives.
Supporting negotiation of Memorandum of Agreements (MoAs) with programme owners.
Project and Portfolio Management

Lead the planning, execution, and monitoring of strategic projects and portfolios.
Ensure alignment of project outcomes with DBSA’s impact goals and financial targets.
Apply best practices in project management to drive delivery excellence and mitigate risks.
Appraising projects and programmes and preparing proposals for DBSA’s governing structures.
Programme Oversight and Risk Management

Provide centralised oversight of programme execution across DBSA and its partners.
Facilitate coordination between programme leads, delivery teams, and strategic stakeholders.
Monitor and identify potential risks and mitigation measures for all third-party funds and programmes.
Support executive decision-making with consolidated operational insights and performance data.
Resource and Financial Management

Ensure optimal utilisation of financial and human resources across programme operations.
Align resource planning with strategic priorities and delivery timelines.
Monitor and report on budget performance, cost-efficiency, and resource allocation.
Oversee the administration, compliance, and reporting of third-party funds and grants.
Operational Resource Management

Establish and enforce governance structures, policies, and quality assurance mechanisms.
Drive standardisation of programme management practices across DBSA and partner entities.
Ensure compliance with internal controls, audit requirements, and regulatory frameworks.
Oversee the audit of programmes and third-party funds in line with respective mandates.
Lead the development and implementation of policies, procedures, and guidelines.
Contribute to documentation and reports for committees, Executive Committee (EXCO), Boards, and other decision-making bodies.
Develop periodic reports for key stakeholders (programme owners, third-party funds, Board, EXCO), including monitoring of budgets, resource allocation, utilisation, and risk management.
Digital Transformation

Champion and drive digital transformation initiatives, leveraging technology to enhance operational efficiency, improve service delivery, and unlock new value streams within the DBSA.
Foster a mindset of innovation, identifying opportunities to adopt emerging technologies and best practices to modernise processes and deliver impactful solutions.
Stakeholder Management

Build and maintain strategic relationships with programme owners, third-party funders, delivery partners, and internal stakeholders.
Ensure timely and transparent communication of programme performance, risks, and strategic decisions.
Represent DBSA in engagements with external stakeholders to promote collaboration, alignment, and shared impact.
Develop stakeholder-specific reports and insights to support decision-making and accountability.
People Management

Lead, mentor, and develop a high-performing team, fostering a culture of collaboration, accountability, and continuous learning to maximise individual and collective potential.
Drive talent development initiatives, including coaching, performance management, and career pathing, to build and retain a skilled and motivated team.
Provide direction and management to the Division, to enable strategy execution.
Attract, retain, develop talent and ensure succession planning and sufficient capacity and capability in all critical functions, supporting diversity strategies and initiatives as well.
Promote DBSA values and a culture of high performance through implementing performance management in line with the planned strategic objectives, goals, quality standards and agreed key performance measures using sound performance management principles.
Contribute to building synergies & cooperation across functions in the DBSA.
Key Measurements of Outputs:

Quality and timeliness of programme proposals, operational frameworks, and governance models submitted for approval
Number of new Programmes / Projects identified to enable infrastructure development investments for the DBSA or/and the market
Number of programmes incubated versus delivered
% of programmes delivered on time, within budget, and aligned with strategic objectives
Compliance rate with programme governance policies, audit requirements, and third-party fund mandates
Effectiveness of risk identification and mitigation across programme portfolios (measured through risk logs and resolution rates)
Accuracy and clarity of reports submitted to EXCO, Boards, and stakeholders, including budget utilisation and performance metrics
Quality and timeliness of programme proposals, operational frameworks, and governance models submitted for
approval
Management of team performance, talent development, and succession planning using the performance management system
Expertise & Technical Competencies
Qualifications and Experience:

Minimum Requirements

Postgraduate degree in Business Administration, Development Studies or Project Management.
Desirable Requirements

Certification in Project Management (e.g.., Project Management Professional (PMP), Program Management Professional (PgMP), PRojects IN Controlled Environments, Version 2 (PRINCE2)).
Experience

Minimum Experience

Minimum 12 years in programme or operations management, with at least 5 years in a management role.
Proven experience managing complex, multi-stakeholder programmes in a development finance or public sector context.
Project management of infrastructure projects/programmes.
Demonstrated ability to lead cross-functional teams and drive operational excellence.
Expertise in programme governance, operational frameworks, and delivery models.
Familiarity with enterprise PMO tools and performance management systems.
Desirable Experience

Banking industry and/or economic development services industry experience.
Technical Competencies:

Project Management

Defines, plans and manages large and/or strategic projects, including those with a high degree of technical complexity, with impacts across the organisation and/or with national implications.
Assembles and leads diverse and multidisciplinary teams, ensuring maximum effective resource utilisation.
Successfully manages substantial project budgets and reports directly to senior managers on the progress and results of projects.
Identifies complex issues that need escalation and proposes appropriate corrective actions.
Policies and Procedures

Is able to evaluate existing policies and procedures in terms of their suitability in light of the broader business agenda.
Has sufficient sector expertise to be able to scan the market to obtain examples of best practice in own area of specialism.
Can develop new policies and procedures where required, aligning them with DBSA strategy and appropriate legislation.
Is able to present recommendations to senior management for approval in a concise manner.
Risk Management Policies and Procedures

Drives integration and standardisation of risk management processes across the organisation.
Advises on the application of the organisation’s risk management policies, industry best practices and constructs organisation guidelines.
Analyses trends in risk management and internal control, evaluates implications, defines and implements organisation-wide response.
Reporting

Designs, reviews and improves reporting processes and provides guidance.
Leads production of complex environment reports, takes an editorial role, determines content and level of detail, and ensures consistent messaging and branding.
Solution Focused

Identifies broad, highly complex problems based on a multitude of factors, many of which are complex and sweeping in nature, difficult to define and often contradictory.
Creates procedures to articulate the nature of problems and to identify and weigh alternate solutions.
Evaluates the effectiveness of solutions using approaches tailored to the situation.
Financial Acumen

Effectively provides financial management for divisional or national programmes, or multiple divisions.
Is able to consolidate budgets from a variety of departments and sense-check to ensure their consistency with overall business objectives.
Skilled in the use of various financial modelling tools and techniques.
Can define long-term financial plans to ensure that various high-level business-wide financial targets (e.g. Economic Value Added, Return
On Investment) are achieved.
Ensures framework is in place for sound financial planning, management, control, and reporting (spanning pay, capital, Operations
and Maintenance (O&M) costs, and revenues).
Business Acumen

Takes actions to fit business strategy.
Assesses and links short-term tasks in the context of long-term business strategies or perspectives.
Reviews own actions against the organisation’s strategic plan; includes the big picture when considering possible opportunities or projects or thinks about longterm applications of current activities.
Anticipates possible responses to different initiatives.
Understands the projected direction of the industry and how changes might impact the organisation.
Planning and Organising

Coaches others on advanced planning and organising skills.
Plays a role in transferring advanced planning and organising skills and knowledge to others.
Identifies and acts on opportunities to partner with other units in the department to achieve desired results.
Develops partnership agreements that ensure win-win outcomes for all parties. Develops integrated plans for the work unit and others
that interfaces with the function’s budget.
Innovation

The skills, knowledge, and abilities necessary to foster, develop, and implement new ideas, processes, products, or services that create value and drive organisational growth. This is critical for adapting to market changes, improving competitiveness, and responding to evolving customer needs.
Required Personal Attributes
Leadership/Behavioural Competencies

Strategic and Innovative Thinking

Understands connections and trade-offs of strategic choices to evaluate which ideas are practical and possible by considering business and/or scientific implications.
Develops innovative business and/or customer solutions that shape industry practices.
Leading and Empowering Others

Identifies long-term goals for the team and communicates them to team members, ensuring their buy in.
Sets a good example by personally exercising desired behaviour, acts on values and beliefs.
Communicates a vision for the team and future success that inspires team members.
After assessing others’ competence, one delegates full authority and responsibility to others to do a task in their own way.
Ensures that competent employees are given opportunities to further their careers.
Leading and Managing Change

Anticipates the need for change when not obvious and influences others to gain support.
Builds sustainable business and organisational capacity to embrace and thrive on change.
Re-engineers and aligns structures, processes and practices to support and sustain the desired change.
Teamwork and Cooperation

Acts to promote a friendly climate and good morale and resolves conflicts.
Creates opportunities for cross-functional working.
Encourages others to network outside of their own team/department and learn from their experience.
Decisiveness

Makes timely decisions about complex issues even when some information is missing.
Makes decisions and stands by them even when they are controversial or unpopular.
Grasps critical business opportunities when they arise by making timely decisions.
Developing Others

Gives specific positive or mixed feedback for developmental purposes.
Gives negative feedback in behavioural rather than personal terms.
Reassures and/or expresses positive expectations for future performance when giving corrective feedback.
Gives individualised suggestions to individuals for their improvement.
Driving Delivery of Results

Identifies and implements a business opportunity that will have a long-term impact on the business (which may include the organisation’s reputation or brand image).
Monitors progress and adapts the plan if necessary to ensure optimal benefit to the business.
Makes decisions, sets priorities, or chooses goals on the basis of inputs and outputs makes explicit considerations of potential profit, return on investment, or cost benefit analysis.
Based on the cost-benefit analysis, makes decisions of entrepreneurial risk nature.

Click here to apply

Senior Credit Officer: Credit Origination x6

Closing Date
2026/01/30
Reference Number
DBS251023-8
Job Title Senior Credit Officer: Credit Origination x6
Job Grade 00
Job Type Classification Permanent
Location – Town / City Midrand
Location – Province Gauteng
Location – Country South Africa
Job Profile (Downloadable) Senior Credit Officer Origination.docx.pdf (290.54 kb) – 10/27/2025 11:42:00 AM
Job Description
The role is responsible for the origination and structuring of complex credit transactions across various sectors, e.g.
infrastructure, sovereign, sub-sovereign, public sector projects for investment considerations in South Africa, the Rest of
Africa and High Impact. This role is instrumental in ensuring that new transactions align with the DBSA’s mandate, risk
appetite and strategic objectives. Applying technical and commercial expertise, and legal knowledge, the role supports
decision-making by appraising new transactions, through conducting due diligence, credit assessment of financial and
non-financial risks, financial modelling and well-structured credit risk mitigation strategies. This role interacts closely with
the Business teams and various Sector and Country Specialists in the origination process.

Key Responsibilities
Key Performance Areas:

Deal Origination and Structuring

Appraise the origination of complex credit transactions from a pipeline of potential projects sourced by the
Business teams, assessing transactions against the Bank’s risk appetite.
Appraise, structure transactions to optimise risk-adjusted returns whilst achieving development impact.
In conjunction with the Business teams, engage internally with project teams and externally with borrowers,
government entities, project sponsors, and other key risk-transfer / credit enhancing stakeholders to assess
optimal financing needs and develop tailored solutions.
Provide credit advisory at inception, deal screening or early review stages for indicative quantification of credit.
Serve as a key member of the project team during appraisal stage, deal implementation and financial close
stages in pursuit of achieving the Bank’s key corporate and strategic objectives.
Serve as a key member of the project team to develop innovative risk mitigation structures (e.g. blended finance
instruments, sustainable finance instruments, credit enhanced structures).
Conduct market and industry research as needed to inform risk assessment and credit decision-making.
Collaborate with multidisciplinary sector experts and other teams to support client solutioning and the credit
application process.
Credit Assessment, Financial Analysis and Risk Mitigation

Undertake in-depth credit and financial analysis and due diligence on prospective transactions.
Identify, mitigate and manage key quantitative and qualitative risks facing a prospective transaction.
Apply credit rating methodologies aligned to underlying transaction structures to ensure that the credit profile is
adequately encapsulated the risk-adjusted returns per policies.
Contribute to due diligence activities, where required, including site visits, stakeholder interviews and due
diligence data collection and synthesis.
Collaborate with business, legal, technical and ESG teams to ensure comprehensive transaction evaluation.
Prepare investment memos for new appraisals that succinctly communicates the overall credit opinion and
recommended terms and conditions of the prospective transactions.
Undertake in-depth financial and cash-flow analysis of portfolio companies, evaluating performance against initial
projections and market benchmarks.
Review portfolio performance reports, incorporating peer comparisons, sectors developments, and
macroeconomic conditions affecting the Bank.
Assess amendments to credit terms and provides recommendations for restructuring, covenant waivers, or
rescheduling proposals as required.
Conduct scenario analysis and stress testing on key exposures, feeding insights into credit risk appetite and
capital allocation decisions.
Support efforts to enhance risk-adjusted return through innovative solutioning of the prospective deal flow.
Financial Modelling and Analysis

Build and/or review and challenge model assumptions in financial models for prospective transactions.
Conduct cash flow analysis, stress testing, and scenario analysis to test financial viability and draw conclusions
/ make recommendations to mitigate financial risks identified.
Assess financial compliance of key financial terms and/or recommend and implement credit risk mitigants (e.g.
conditions, covenants, collateral, guarantees), as required.
Perform peer benchmarking and sectoral credit comparisons in order to provide valuable insights for the review
of the financial modelling assessment.
Portfolio Integration

Ensure seamless transition of approved transactions into portfolio management.
Monitor early-stage performance, facility and/or covenant compliance during onboarding of new clients.
Provide feedback to portfolio, origination and risk teams on original learnings and risk signals.
Maintain credit-related compliance with internal policies, regulatory standards, and investment mandates across
all geographies.
Maintain up-to-date credit ratings and internal loan classifications of new transactions, where required, prior to
transition into portfolio management.
Strategic Engagement and Governance

Liaise with teams to ensure seamless handover and continuous oversight of transactions post-disbursement.
Support governance reporting by contributing to reports for Board committees, EXCO, and relevant committees.
Participate in the maintenance and improvement of the credit value chain, identifying process inefficiencies and
supporting enhancements to credit systems.
Support audits by preparing necessary reports and documentation in line with best practice and standards.
Reporting and Monitoring

Produce accurate, insightful reports that express key financial and non-financial metrics and analysis to support
credit opinions for decision-making.
Analyse data to identify trends, inform strategic decisions, and provide stakeholders with clear, actionable
information that supports ongoing performance improvement and accountability.
Utilise appropriate technologies and tools to enhance reporting efficiency and clarity, while also safeguarding the
confidentiality and sensitivity of the information included.
Maintain high standards of accuracy and timeliness to deliver reports that are timely, relevant and precise.
Key Measurements of Outputs:

Percentage and number of credit memos for appraisals completed on time and in line with internal standards.
Precision of internal credit ratings aligned with appropriate model methodologies and validated through backtesting
or audit reviews.
Timely identification of early warning indicators, escalating and actioned for new transactions in appraisal or deal
implementation stage.
Number of breaches identified and resolved and compliance rate for new facility agreements being onboarded.
Average time taken to complete normal urgent risk assessment and recommend amendments or waivers.
Quality of financial models built or reviewed, stakeholder feedback on model accuracy and usefulness for
decision-making.
Percentage of reports submitted on time with no material errors; percentage of submissions deferred as a result
of substandard quality.
Feedback from internal and external stakeholders on quality, communication, responsiveness, and problemsolving
support.
Expertise & Technical Competencies
Qualifications and Experience:

Qualifications

Degree in Economics, Finance, Accounting, Business Administration or Risk Management or related field.
Experience

Minimum of 8 years’ experience in credit risk analysis, portfolio monitoring, or financial analysis within
wholesale/investment banking or a development finance environment.
Proven proficiency in credit analysis, financial modelling, and application of credit rating methodologies across similar
credit portfolios.
Strong capability in financial statement analysis, credit risk assessment, and the application of risk mitigation
principles.
Familiarity with development finance instruments and structured finance solutions is advantageous.
Sound understanding of the credit lifecycle and loan value chain processes.
Awareness of macroeconomic and political risk factors impacting country and credit risk is beneficial.
Experience in credit origination, investment analysis, or structured finance is a plus.
Demonstrated credit reasoning and credit writing skills.
Strong verbal and written communication skills, with the ability to present complex concepts clearly and effectively.
Demonstrated ability to build relationships, collaborate in teams, and manage stakeholder interactions effectively.
Desirable Requirements

Experience working with municipalities, government programmes, or development finance institutions.
Understanding and experience of sovereign risk, infrastructure finance, and public sector lending.
Postgraduate degree in Finance, Economics, Accounting or a related field.
Professional certification in Financial Risk Management, Chartered Financial Analysis or CA (SA) or equivalent.
Familiarity with ESG, blended finance, and development impact frameworks.
Technical Competencies:

Risk identification & Assessment / Technical

Diagnoses significant, unusual and emerging risks to which the business is exposed.
Advises on applicable aspects of risk identification and assessment.
Demonstrate advanced proficiency and up-to-date knowledge in specialised areas, applying this expertise to
solve problems, drive innovation, and contribute to strategic initiatives.
Continuously expanding skills to adapt to industry advancements and enhance organisational capabilities.
Maintain high standards of quality and reliability, contributing to the seamless achievement of objectives.
Risk management policies and procedures

Develops innovative approaches to managing significant business risks effectively and efficiently.
Leads implementation, execution and monitoring activities.
Advises on best solutions and foresees the impact of changes in regulations, policies and procedures for noncomplex
and business issues.
Data collection and analysis

Skilled in the use of analytical techniques.
Is able to use judgement to decide upon the most appropriate analytical techniques according to the situation.
Recognises underlying principles, patterns, or themes in an array of related information, and determine
whether additional information would be useful or necessary.
Through an in-depth understanding of the business environment, reviews outputs of analysis to identify
anomalies and draws conclusions, relating these to operational circumstances.
Can model a range of scenarios covering all potential business circumstances and highlight potential risks/
opportunities.
Planning and organising

Is relied on to helps others plan and organise their workload.
Uses effectively advance time management processes to deal with high workload and tight deadlines.
Organises, prioritises and schedules tasks so they can be performed within budget and with the efficient use
of time and resources.
Achieves goals in a timely manner, despite obstacles encountered, by organising, reprioritising and replanning.
Financial acumen

Makes sound financial decisions after having analysed their impacts on the organisation, partner agencies,
and community.
Awareness of utilising department budgets must be done in the most cost-effective ways.
Understands management accounting reports and the processes by which financial resources are identified,
obtained, allocated, managed, and accounted for.
Is able to interpret management account reports in an operational/commercial context and take action as
appropriate to maximise revenues and control costs.
Financial Modelling

Demonstrating expertise in developing, analysing, and interpreting financial models to support strategic
decision-making and business planning. This involves creating accurate and reliable models that forecast
financial performance, assess business scenarios, and evaluate investments or projects.
Reporting

Prepares both standard and non-standard reports to time and quality standards.
Collate and analyses readily available data for inclusion in a report.
Designs / customises reports to meet user needs.
Required Personal Attributes
Leadership/Behavioural Competencies:

Achievement Orientation

Focuses on new or more effective ways of improving own work and meeting targets.
Focuses on raising quality, customer satisfaction and revenues.
Makes specific changes to systems and processes in order to improve efficiency and quality.
Formulates own objectives and action plans in order to achieve a measurable improvement in the future.
Customer Service Orientation

Tries to understand the underlying needs of customers and matches these needs to available or customised
products and services.
Adapts processes and procedures to meet on-going customer needs.
Utilises the feedback received by customers, in order to develop new and/or improve existing services/
products that relate to their on-going needs.
Thinks of new ways to align DBSA’s offerings with future customer needs.
Self-awareness and Self-Control

Withholds effects of strong emotions in difficult situations.
Keeps functioning or responds constructively despite stress.
May apply special techniques or plan ahead of time to manage emotions or stress.
Attention to Detail

Double-checks the accuracy of information or work.
Ensures that the work produced doesn’t contain any errors.
Analytical Thinking

Identifies the cause-and-effect relationship between two aspects of a situation.
Strategic and Innovative Thinking

Experiments with new approaches, tests scenarios, questions assumptions and challenges conventional
thinking.
Creates new concepts that are not obvious to others, leveraging internal and external sources of information,
to build incremental revenue and growth opportunities.
Teamwork and Cooperation

Click here to apply

Technical Specialist: Transport & Logistics

Closing Date
2026/02/10
Reference Number
DBS251023-6
Job Title Technical Specialist: Transport & Logistics
Job Type Classification Permanent
Location – Town / City Midrand
Location – Province Gauteng
Location – Country South Africa
Job Profile (Downloadable) Technical Specialist Transport & Logistics.docx.pdf (303.09 kb) – 10/23/2025 4:25:01 PM
Job Description
The Technical Specialist: Transport & Logistics is responsible for ensuring that infrastructure investments in the transport and logistics sector are technically sound, environmentally sustainable, socially responsible, and financially viable. This role blends sector expertise with financial acumen to support loan origination, due diligence, and portfolio management. In addition, provide expert technical guidance and sector-specific insights to support the development, appraisal, and monitoring of transport and logistics projects financed and/or delivered by the DBSA. The aim is to enhance the quality, sustainability, and impact of investments in the sector, ensuring alignment with the institution’s development mandate.

Key Responsibilities

Technical Advisory and Expertise

Provide expert technical support and apply advanced sector knowledge to develop innovative, practical solutions analysis and implementation support for projects and initiatives.
Stay current on emerging technologies, policy developments, and global best practices to ensure cutting-edge insights and continuous improvement in project delivery.
Diagnose complex sector challenges and identify opportunities, designing context-appropriate, sustainable, and cost-effective solutions to support project preparation and implementation.
Promote institutional learning by leading or contributing to training sessions, technical consultations, and knowledge-sharing initiatives with internal teams and external stakeholders.
Drive technical excellence and innovation in the sector, reinforcing the Bank’s position as a leader in sustainable
and resilient infrastructure development.
Collaborate effectively with multidisciplinary teams and stakeholders to gather insights, build consensus, and
ensure technical alignment across project stages.

Investments and Programmes

Conduct rigorous technical due diligence on infrastructure transactions applying strategic thinking and innovative
approaches to deliver value to both the client and the DBSA.
Enhance the bankability of transactions by identifying and mitigating technical and sector specific risks, working collaboratively with Credit Risk, Country Risk Officers, and other relevant units across the Bank.
Support the preparation of potential investments by delivering innovative and sustainable infrastructure solutions that inform project scoping, feasibility studies, and business planning.
Conceptualise and contribute to the design of new products and services aligned with DBSA mandate and
proactively identifying and guiding the DBSA toward emerging sector opportunities.
Assess the sector impact of proposed DBSA investment transactions across South Africa the African region, including:
o Appraising the macro and sector-specific market environment.
o Assessing the impact of sectoral policy, legislation, strategy, and tariff regimes.
o Analysing sector risks and developing appropriate mitigation measures.
o Demonstrating the economic rationale of projects through demand/supply analysis and cost-benefit assessments.
o Validating the technical feasibility / assumptions and projections including design assumptions, technology
options, operations, and maintenance plans.
o Providing structuring recommendations to support investment approvals by internal decision-making committees.
o Developing sector-specific conditions to be embedded with investment structures.

Monitor and evaluate the sectoral outcomes and impact of DBSA’s energy investment portfolio.
Track compliance within agreed sector conditionalities and mitigation measures, recommending timely corrective
actions in cases of deviation or underperformance.

Sector Governance

Present sector research findings on business and product development, sector targets, and investment strategies
to the Investment Committee and Board of Directors.
Develop, implement, and review sector strategies, guidelines, and technical frameworks to embed Generally
Accepted Industry Practice (GIIP) in DBSA investment decision making.

Clients, Governments and Finance Partnerships

Provide credible sectoral advice to the DBSA, its clients and sector role players including private and public sector
investors, businesses, and client-country governments.
Influence relevant sectoral investment decision making structures including DBSA, national government, SOCs,
sector fora, Regional Economic Communities (e.g. SADC, IIPSA) to enhance sectoral infrastructure investments.
Interface with finance partners locally, regionally, and internationally to catalyse sustainable financing, align and
incorporate GIIP, the Sustainable Development Goals and global, regional, and local sector policy frameworks into
DBSA operations and investment decision making.
Build strong relationships with key stakeholders to align expectations and gather insights and ensure successful
engagements.

Innovation and Continuous Improvement

Champion innovation and fostering a culture of continuous improvement within their area of expertise.
Identify opportunities to enhance processes, products, or services, leveraging technical knowledge, creativity, and
industry insights.
Explore and implement cutting-edge technologies or methodologies to drive efficiency, quality, and value for the organisation.
Facilitate idea generation promoting a collaborative environment where innovative solutions can flourish.
Develop the organisation’s competitive edge and adapt to evolving market demands within the sector.

Reporting and Analytics

Prepare and present high-quality, data-driven technical reports, assessments, and recommendations to support
decision-making, anticipate risks, and enhance project outcomes.
Analyse complex data and deliver accurate, stakeholder-focused reports with clear, actionable insights and
visualisations.
Identify trends, anomalies, and key insights that influence strategic planning and operational adjustments.
Key Measurement of Output

Number of innovative and sustainable energy financing opportunities identified and brought into the business pipeline.
Number and quality of technically sound, bankable projects and innovative financing solutions developed for investment approval.
Number of due diligence assignments and investment-ready projects concluded with full technical compliance.
Percentage of the loan book aligned with priority geographies/sectors and annual investment metrics (disbursements, commitments, approvals).
Number and quality of projects monitored and evaluated, ensuring application of Good International Industry Practice (GIIP) and lessons learned.
Number of sector strategies, technical frameworks, knowledge products, and partnerships developed to inform investment decisions and strengthen sector impact.
Expertise & Technical Competencies
a) Sector Expertise

Demonstrates global thought leadership, including speaking at international conferences, sharing work via
knowledge management, documenting business cases, white papers, and articles.
Understands dynamics of other sectors and uses that knowledge to draw comparisons and insights about the
given sector.
Foresees trends in the given sector industry at a global level and actively communicates/publishes opinions
and insights.
Understands sector industry dynamics, trends and key players at the global level and uses that knowledge to
position DBSA as an economic policies authority of repute within the global market.
b) Business Acumen

Takes actions to fit business strategy.
Assesses and links short-term tasks in the context of long-term business strategies or perspectives.
Reviews own actions against the organisation’s strategic plan; includes the big picture when considering possible opportunities or projects or thinks about long-term applications of current activities.
Anticipates possible responses to different initiatives.
Understands the projected direction of the industry and how changes might impact the organisation.
c) Project Management

Seasoned ability to plan, initiate, execute, control and close projects aligned to DBSA sustainable infrastructure
investment mandate.
Translates business objectives into practical, prioritised and organised action plans; ensures plans are safely
and successfully implemented.
Makes effective use of resources when executing; ensures processes are in place to achieve outcomes aligned to operational excellence standards.
Risk Identification & Assessment skills.
Advises on applicable aspects of risk identification and assessments.
Assesses and links short-term tasks in the context of long-term business strategies or perspectives.
d) Financial Acumen

Makes sound financial decisions after having analysed their impacts on the organisation, partner agencies,
and community.
Knows the internal and external factors that impact on resource and asset availability.
Is able to interpret management account reports in an operational/commercial context and take action as
appropriate to maximise sustainable development outcomes, revenues, and control costs.
e) Business Development

Takes overall lead for pro-active business development at national and regional level.
Initiates, reviews, and interprets competitor environment reviews and take actions accordingly.
Formulates and modify market approaches on the basis of competitor analyses.
Leads the formulation, development, and implementation of the business development strategy to generate new business opportunities in public and private sector delivery of infrastructure.
Identifies and develop new markets, products, and clients.
Positions the DBSA as the preferred development partner, lender, and advisor.
Leads the participation and presentation of the DBSA at investment conferences and roundtable discussions.
Coordinates business activities to ensure that investment initiatives are in support of government BEE strategies, broader national and regional economic development strategies.
Promote compliance and alignment with the strategic imperatives of both individual clients and the DBSA of
investment and development interventions.
Builds capacity to coordinate, control and manage the activities and efforts required for the implementation of
the plan.
Builds capacity to conduct project origination exercises.
f) Analytical Ability

Ability to propose solutions to support investment through analysis and solutioning.
Thorough and in-depth understanding of the business environment, reviews outputs of analysis to identify
anomalies and draw conclusions, and able to relate these to operational circumstances.
High level of skill in the use of advanced/complex analytical techniques and able to use judgement to decide
upon the most appropriate analytical techniques to solution according to the situation.
Proven ability to apply relevant estimating techniques, tools and models covering all potential business circumstances (such as cost benefit analysis) and highlight potential risks/opportunities.
Able to translate findings into reports and present findings to key stakeholders.
Qualification

Bachelor’s degree in Civil Engineering, Transport Planning, Logistics, Transportation Engineering, or a related field
(e.g., Urban Planning or Infrastructure Development).
Experience

Minimum of 10 years’ energy sector experience in structuring and preparing investment-ready infrastructure projects, ideally within development finance, commercial banking, or infrastructure advisory environment.
Proven track record in infrastructure finance and investment, including work on public-private partnerships (PPPs) and transaction advisory services for large-scale energy projects.
Strong professional network and extensive relationships with senior stakeholders in the energy sector across South Africa and the wider African continent.
Sound understanding of critical development challenges and opportunities across the energy value chain, including
service delivery models, regulatory frameworks, and climate resilience.
In-depth knowledge of sustainable development principles, particularly as they relate to infrastructure financing, climate adaptation, and inclusive service delivery.
Experience in designing technical and financial solutions to enable deal closure and mobilise private or blended finance.
Desirable

Postgraduate qualification in a relevant field such as Engineering, Finance, Economics, Development Studies,
Sustainable Development, Infrastructure Planning, or an MBA.
Professional registration with a recognized engineering or sectoral professional body (e.g., ECSA).
Required Personal Attributes
a) Customer Service Orientation

Tries to understand the underlying needs of customers and matches these needs to available or customised
products and services.
Adapts processes and procedures to meet on-going customer needs.
Utilises the feedback received by customers, in order to develop new and/or improve existing services/ products
that relate to their on-going needs.
Thinks of new ways to align DBSA’s offerings with future customer needs.
b) Strategic and Innovative Thinking

Experiments with new approaches, tests scenarios, questions assumptions and challenges conventional
thinking.
Creates new concepts that are not obvious to others, leveraging internal and external sources of information,
to build incremental revenue and growth opportunities.

c) Driving Delivery of Results

Sets challenging goals that will have a significant impact on the business or support the organisational
strategy.
Commits significant resources and/or time to ensure that challenging goals are achieved, while also taking
action to mitigate risk.
d) Organisational Awareness

Recognises unspoken organisational limitations, what is and is not possible at certain times or in certain
positions.
Recognises and/or uses the corporate culture (language, etc.) that will produce the best response.
Recognises and/or uses ongoing power and political relationships within the organisation (alliances, rivalries)
with a clear sense of organisational impact.
e) Impact and Influence

Adapts a presentation or discussion to appeal to the interest and level of others.
Anticipates and prepares for others’ reactions.
f) Teamwork and Cooperation

Click here to apply

Senior Credit Officer: Portfolio Management X2

Closing Date
2026/01/30
Reference Number
DBS251023-5
Job Title Senior Credit Officer: Portfolio Management X2
Job Grade 00
Job Type Classification Permanent
Location – Town / City Midrand
Location – Province Gauteng
Location – Country South Africa
Job Profile (Downloadable) Senior Credit Officer Portfolio Mngt.docx.pdf (274.16 kb) – 10/27/2025 11:49:56 AM
Job Description
The purpose of the role is to support the credit risk management and portfolio oversight of the Bank’s investments across South Africa, the Rest of Africa and High Impact. The role involves conducting detailed credit assessments, financial analysis, credit monitoring of the portfolio; further contributing to early warning identification and risk mitigation strategies across the Bank’s investment activities. Applying technical and commercial expertise and legal knowledge, the role supports strategic decision-making, contributes to credit compliance, portfolio management and ensures that exposures remain aligned with the institutional risk appetite. The role interacts closely with the Credit Origination responsible for new transactions while maintaining dedicated focus on the post-approval performance of the existing portfolio.

Key Responsibilities
Credit Review and Monitoring

Undertake credit assessments of clients for annual credit reviews according to internal annual review cycle for sovereigns, public entities, infrastructure and high impact projects.
Prepare credit memos, with opinions and recommendations for clients in the portfolio.
Prioritise and manage the portfolio to ensure that annual reviews do not expire beyond the policy prescripts.
Prepare credit opinions for additional lines of credit for public sector clients, as part of the annual review.
Regularly engage other teams to obtain latest collateral values from the collateral register, as inputs into the credit assessment and risk rating process.
Monitor the adherence to credit conditions, loan covenants, and risk triggers; taking appropriate action.
Track, manage and report on credit amendments, waivers, and restructuring activities.
Initiate/review rapid risk reviews in response to emerging external or internal risk signals, collaborating with internal and external stakeholders for effective intervention.
Financial and Credit Analysis

Conduct financial statement analysis, cash flow modelling, and creditworthiness assessments.
Perform peer benchmarking and sectoral credit comparisons as part of the financial modelling assessment.
Build and/or challenge financial model assumptions for reasonableness based on financial, technical and market insights applied.
Conduct stress testing and scenario analysis to test financial viability and draw conclusions / make recommendations to mitigate risks identified.
Portfolio Reporting and Compliance

Maintain accurate records of credit decisions outcomes, risk ratings, loan classifications, and covenant compliance; store records in compliance with the Bank’s records management and specified electronic drives.
Contribute to the preparation of regular portfolio reports for management and stakeholders.
Support the development of enhancing portfolio monitoring reports and dashboards.
Validate and assess data for accuracy, reliability and completeness on all relevant credit and risk systems.
Uphold compliance with internal credit policies, investment mandates and regulatory requirements.
Liaise with teams to ensure seamless handover and continuous oversight of transactions post-disbursement.
Support the disbursement process, post-handover, to ensure facility conditions are met as required.
Credit Mitigation and Restructuring Support

Monitor portfolios to identify early warning signals and potential credit deterioration and escalate potential risks in accordance with the policies and delegation of authority prescripts.
Execute light restructuring and rescheduling processes under supervision and in collaboration with other teams.
Review ongoing financial compliance of updated financial models and/or recommend and implement new credit risk mitigants (e.g. conditions, collateral, guarantees), as required.
Reporting

Produce accurate, insightful reports and continuously monitoring key financial and non-financial metrics to assess performance and credit migration risk.
Establish and adhere to deadlines to ensure management has up-to-date information for decision-making.
Maintain high standards of accuracy and timeliness to deliver reports that are timely and precise.
Utilise appropriate technologies and tools to enhance reporting efficiency and clarity, while also safeguarding the confidentiality and sensitivity of the information included.
Stakeholder Management and Problem-Solving

Collaborate effectively with stakeholders to achieve common goals, facilitating open and clear communication.
Actively listen, share information, and foster a cooperative environment that encourages diverse perspectives and collective problem-solving.
Key measurement of output:

Percentage of credit review documentation prepared without errors / deferred.
Timeliness of credit review documentation submissions reviewed and approved (annual review % not expired).
Number of covenant breaches or risk triggers identified and escalated; compliance rate across the monitored portfolio.
Timely monitoring updates in accordance with facility and/or risk requirements; number of loan facility terms and conditions compliance checks completed and actioned (where appropriate).
Quality of financial analyses or models built / assessed and quality of inputs to credit assessments, stakeholder feedback on model accuracy and usefulness for decision-making.
Expertise & Technical Competencies
Qualifications

Minimum Requirements

Bachelor’s degree in finance, Economics, Accounting or a related field.
Experience

Minimum of 8 years’ experience in credit risk analysis, portfolio monitoring, or financial analysis within a wholesale, investment banking, or development finance environment.
Strong proficiency in credit analysis, financial modelling, credit rating methodologies, and monitoring of comparable credit portfolios.
Solid expertise in financial statement analysis, credit risk assessment, and the application of risk mitigation strategies.
Knowledge of development finance instruments and the end-to-end credit lifecycle and loan value chain.
Awareness of macroeconomic and political risk factors influencing country and credit risk, particularly in emerging markets.
Demonstrated strength in credit reasoning, with excellent credit writing and report development skills.
Strong verbal and written communication abilities, including effective presentation skills and the capacity to convey complex concepts in clear business terms.
Desirable Requirements

Risk Identification & Assessment

Diagnoses significant, unusual and emerging risks to which the business is exposed.
Proposes solutions on applicable aspects of risk identification and assessment.
Demonstrate high proficiency and up-to-date knowledge in specialised areas, applying this expertise to solve complex problems, drive innovation, and contribute to strategic initiatives.
Continuously expand skills to adapt to industry advancements and enhance organisational capabilities.
Manage effective and efficient execution of tasks and projects by optimising processes, managing resources, and adhering to timelines.
Maintain high standards of quality and reliability, contributing to the achievement of organisational objectives.
Risk Management Policies and Procedures

Applies relevant risk regulations, policies and procedures to non-complex business issues.
Understanding of the application of the organisation’s risk management policies.
Data Collection and Analysis

Based on knowledge of the reasons behind the analysis, is able to define the most appropriate means of data collection.
Is able to develop formats for data collection.
Is able to define the most appropriate internal and external data/information sources.
Identifies key facts in an array of data, recognises when pertinent facts are incorrect, missing, or require supplementation or verification.
Breaks down data into component parts to understand the nature and relationship of the parts.
Has a broad knowledge of statistical data-handling techniques.
Can undertake more comprehensive analysis of data / information and is required to draw conclusions.
Planning and Organising

Uses time management procedures effectively.
Can exercise independent judgement regarding all planning and organising issues.
Uses specialised software to plan and manage own time.
Plans and manages multiple priorities and deadlines.
Financial Acumen

Understands cost/revenue drivers within own area and is able to take actions to control resources and expenditure to meet financial targets.
Understands management accounting reports and the processes by which financial resources are identified, obtained, allocated, managed, and accounted for.
Is able to interpret management account reports in an operational/commercial context and take action as appropriate to maximise revenues and control costs.
Financial Modelling

Demonstrating expertise in developing, analysing, and interpreting complex financial models to support strategic decision-making and business objectives. This involves creating accurate and reliable models that forecast financial performance, assess business scenarios, and evaluate investments or projects.
Reporting

Prepares both standard and non-standard reports to time and quality standards.
Collate and analyses readily available data for inclusion in a report.
Designs / customises reports to meet user needs.

*The KPA’s, competencies and relationships listed in this document, is not exhaustive and the incumbent will be expected to undertake additional duties within their capacity to meet the needs of business and/or the business unit.

Required Personal Attributes
LEADERSHIP / BEHAVIOURAL COMPETENCIES

Analytical Thinking

Identifies multiple elements of a problem and breaks down each of those elements in detail, showing causal relationships between them.
Uses several analytical techniques to identify several solutions and weighs the value of each.
Driving Delivery of Results

Identifies and implements a business opportunity that will have a long-term impact on the business.
Monitors progress and adapts the plan if necessary to ensure optimal benefit to the business.
Makes decisions, sets priorities, or chooses goals on the basis of inputs and outputs: makes explicit considerations of potential profit, return on investment, or cost benefit analysis.
Based on the cost-benefit analysis, makes decisions of entrepreneurial risk nature.
Attention to Detail

Double-checks the accuracy of information or work.
Ensures that the work produced doesn’t contain any errors.
Achievement Orientation

Delivers work on time and quality and follows through on agreed commitments.
Views new work experiences as an opportunity for growth.
Reacts immediately to overcome setbacks or/and obstacles in order to meet goals.
Recognises and acts upon current opportunities.
Self-Awareness and Self-Control

Click here to apply

Infrastructure Finance Specialist (IF)

Closing Date
2026/02/09
Reference Number
DBS250617-1
Job Title Infrastructure Finance Specialist (IF)
Job Grade 17
Job Type Classification Contract
Location – Town / City Midrand
Location – Province Gauteng
Location – Country South Africa
Job Profile (Downloadable) Infrastructure Finance Specialist IF_Job Profile June 2025.docx.pdf (484.97 kb) – 6/17/2025 2:48:09 PM
Job Description
The Infrastructure Fund (IF) announced by the President in September 2018 addresses the need for a dedicated blended financing facility for infrastructure programme projects. The aim of the IF is to transform public infrastructure financial provisioning using “blended” finance – combining capital from the public and private sectors and Development Finance Institutions (DFIs)/Multilateral Development Banks (MDBs). This will be dedicated to meeting the financing requirements for hybrid projects.

The mandate of the Infrastructure Fund has been captured in a Memorandum of Agreement (MOA) between the National Treasury, Infrastructure South Africa (ISA), and the DBSA entered into on 17 August 2020.

The role of the Infrastructure Finance Specialist is to provide financing and advisory solutions for infrastructure development.

Key Responsibilities
KEY PERFORMANCE AREAS

Strategic Outputs

Support the expansion of IF’s project pipeline, especially in infrastructure that is being targeted to mobilise public and private sector financing.
Ensure long-term financial planning and modelling in collaboration with the Treasury and Finance teams.
Support public sector in the development of Public Private Partnerships (PPPs) and in financing of large infrastructure projects in order to assist government’s efforts to advance Sustainable Development Goals (SDGs).
Prepare various documents and management reports for Executive Committees, Boards and Stakeholders.

Infrastructure Financing

Prepare a project finance model using Microsoft Excel / workbook and calculation algorithms premised on accounting rules. The project finance model should be suitable for investment analysis, debt structuring and operational scenario evaluation.
Utilise project finance models to conduct financial and sensitivity testing which are critical in determining the effects and changes in input variables on key financial outputs.
Advise clients internally and externally on the development and effective implementation of public / private investments for sustainable development in infrastructure with a specific focus on financing solutions.
Support Leads during preparation, structuring, negotiation, and closing of transactions of investment and policy operations.
Conduct the financial analysis and modelling tasks within project teams working on guarantees operations and other financial structures to mobilise commercial capital for development purposes.
Work as an integral part of the project / programme team, to conduct due diligence for infrastructure finance operations with a special focus on structuring financial solutions for raising new funding and debt restructurings.
Develop and deliver sustainable financing structures, models and solutions for IF clients through various products which include (amongst others) blended finance structures Public Private Partnerships (PPP) structures, B-BBEE funding structures, local currency funding, guarantees and derivative hedges.
Develop and implement various innovative financing instruments to unlock and accelerate infrastructure delivery. These instruments include (amongst others) blended finance instruments, working capital facilities, bridging finance facilities, project bonds, CPI-linked debt, green bonds, project preparation facilities, construction performance bonds, price risk management and hedging products, customised vendor financing solutions.
Develop and implement financial advisory solutions for the IF including (amongst others) technical, financial, environmental, insurance bank services.
Access financial markets to fund IF investments and operations to foster sustainable economic development, create wealth and improve infrastructure in South Africa by investing in infrastructure and other productive sectors.
Ensure that all investment projects are taken to bankability through amongst others, evaluation of the feasibility of investment opportunities with a view of ensuring that they are commercially sound for financing. This must be performed in alignment with the agreed strategy and mandate, due diligence process, deal structuring, facility agreements with clients, risk mitigation, etc.
Assist with the execution of transactions and the credit approval process to facilitate the structure and negotiate the detailed terms of the deal / transaction in liaison with Treasury, Legal, Portfolio Management teams to ensure the approval of transactions through the various approval committees.

Stakeholder Relations and Engagement

Develop and manage relationships with key stakeholders and decision makers (in government entities, development banks, private companies and commercial banks) to contribute to economic and infrastructure development.
Build and maintain strong relationships with clients and project operators
Network and maintain relationships with key internal and external stakeholders to enhance the mandate of the IF.
Perform other strategic and operational duties as assigned.

Key Measurements of Outputs:

Quality financial models and solutions
Value and number of project approvals, commitments and disbursements.
Value of infrastructure catalysed
Value of Private & Public Sector partnerships and funding
Clean audit

KEY INTERNAL LIAISON RELATIONSHIPS

Head: Infrastructure Finance
Chief Investment Officer: IF
CEO & Exco
DBSA Board & Committees
Relevant DBSA Divisions
IF Team

KEY EXTERNAL LIAISON RELATIONSHIPS

Infrastructure South Africa
National Treasury
Government Departments and SOCs
Public & Private Sector Stakeholders
External Service Providers
Development Finance Institutions
Capital Markets

Expertise & Technical Competencies
QUALIFICATIONS & EXPERIENCE:

Minimum Requirements

Post-graduate qualification in Development Finance, Finance, Business, Engineering or Economics.
A minimum of 8 years demonstrable experience in project finance, the financial and infrastructure finance arena at a mid-tier professional level.
Experience in investing in infrastructure in emerging markets, ideally in a diversified portfolio in different sectors of infrastructure (energy, transport, etc.).
Exposure to working on new or innovative projects and programmes.
In-depth experience in working with deal teams private and public sector investments.
Demonstrated experience in infrastructure finance and development.
Proven ability to build a project finance model using Microsoft Excel / workbook and calculation algorithms premised on accounting rules for investment purposes.
Proven experience in project risk identification, management and mitigation.
Knowledge of the banking sector and financial markets.
Knowledge of the legal and regulatory environment for infrastructure procurement in SA.
Good understanding of infrastructure investments.
Demonstrable experience in assessing investment transaction opportunities and projects from early review to bankable debt financing deals.
Ability to provide value to transactions for the benefit of and/or the client through knowledge of the subject, innovation and lateral thinking.
Knowledge of legislation, regulations, policies, processes and procedures governing the infrastructure planning and development in South Africa (e.g. PFMA).

TECHNICAL COMPETENCIES:

a) Risk Identification & Assessment Skills

Advises on applicable aspects of risk identification and assessment.
Assesses and links short-term tasks in the context of long-term business strategies or perspectives.
b) Business Development

Initiates, reviews and interprets competitor environment reviews.
Formulates and modify market approaches based on competitor analyses.
Generates new business opportunities in public and private sector delivery of infrastructure.
Identifies and develop new markets, products and clients.
Builds capacity to conduct project origination exercises.
c) Business Acumen

Good understanding of commercial drivers and is able to take decisions based on an assessment of alternatives concerning complex business situations.
Good understanding of economic priorities of South Africa and Africa and how they can be implemented to meet the organisation’s strategic objectives.
Good understanding of the need to coordinate efforts with many government entities, private sector, community groups and individuals to ensure effective implementation of new policies and regulations.
Takes actions to fit business strategy.
Assesses and links short-term tasks in the context of long-term business strategies or perspectives.
Reviews own actions against the organisation’s strategic plan; includes the big picture when considering possible opportunities or projects or thinks about long-term applications of current activities.
Anticipates possible responses to different initiatives.
Understands the projected direction of the industry and how changes might impact the organisation.
d) Deal Origination

Identify, conceptualize and structure projects and opportunities and develop new and alternative financing mechanisms.
Formulate and develop new and alternative financing mechanisms and concepts that can be replicated elsewhere within and outside SA.
Conceptualise and develop innovative funding instruments (equity, venture capital, mezzanine, debt, securitisation of projects, etc.) to finance infrastructure that would otherwise not be possible relying on the market only to develop and propose these investment opportunities.
Proactively develop impact concepts to take to the market.
Formulate new products.
e) Deal Structuring

Uses credit enhancement techniques to structure deals and optimise pricing in terms of Basel principles.
Has a good and practical understanding of how to optimise the Capital Structure, collateral package, and debt repayment profile.
Builds and interrogates financial models, including those with a high degree of complexity, to develop an optimal structure.
Identifies complex structural issues that need escalation and proposes appropriate bankable structures.
Demonstrates knowledge on advanced structuring including the use of derivatives, syndicated loans, synthetic loans, securitisations, Inflation linked debt, credit default swaps and subordinated debt.
Prepares specialised or tailored reports relating to new innovative instruments, gather information from a variety of sources, analyse and include in a report to new products approval committees.
Compiles comprehensive specialist reports as required for inclusion into credit committee submissions.
f) Negotiation Skills

Has an appreciation of cultural sensitivities and differences.
Effectively employs a variety of advanced behavioural/interpersonal competencies to control the negotiation situation.
Can take the lead in a variety of sensitive negotiation situations requiring high levels of tact and diplomacy.
Can place a discrete negotiation situation within the context of a broader long-term relationship and is not threatened by conceding ground to protect the longer-term interests of the IF.
g) Project Management

Demonstrates advanced planning and organising skills.
Identifies and acts on opportunities to partner with other units in the department to achieve desired results.
Develops integrated plans for the work unit and others that interfaces with the function’s budget.
i) Financial Acumen

Makes sound financial decisions after having analysed their impacts on the organisation, partner agencies, and community.
Effectively prepares budgetary submissions and forecasts for own department.
Knows the internal and external factors that impact on resource and asset availability.
Can interpret management account reports in an operational/commercial context and take action as appropriate to maximize revenues and control costs.
j) Reporting & Communication

Designs / customizes reports to meet user needs.
Prepares complex or tailored reports, gathers information from a variety of sources, analyses and includes in a report.
Keeps standard reports under review and proposes improvements to meet user needs.
Designs, reviews and improves reporting processes and provides guidance.
Assists with the production of complex environment reports, takes an editorial role, determines content and level of detail, and ensures consistent messaging and branding.
Is relied on by others to help them write complex technical and non-technical documents and briefs.
Able to communicate complex problems or concepts, by making them simple and understandable for others.
Adapts language to the level of the audience in order to ensure that the message has a positive impact and is interesting to the audience.
Is articulate, demonstrates a wide range of vocabulary, and is confident when talking to large/high level audiences.
k) Presentation Skills

Knows how to deliver arguments persuasively by employing a range of advanced presentation techniques (e.g. the appropriate use of body language, how to close a presentation so that the audience continues to think about the subject matter etc.).
Has knowledge of various feedback mechanisms to check levels of audience understanding.
l) Written & Verbal Communication

Understands that different writing styles are required for different documents or audiences.
Write effective correspondence, prepares questions and reports, statements of circumstance and briefing notes.
Reviews others’ documents for clarity and impact.
Able to communicate complex problems or concepts, by making them simple and understandable for others.
m) Problem Solving

While remaining guided by organisational values, identifies optimal solutions, thinking first in terms of possible approaches and flexibilities in the system vs. blind adherence to rules or procedures.
Implements solutions to complex problems, then evaluates the effectiveness and efficiency of solutions and identifies needed changes.
Required Personal Attributes
BEHAVIOURAL COMPETENCIES

a) Customer Service Orientation

Tries to understand the underlying needs of customers and matches these needs to available or customized products and services.
Adapts processes and procedures to meet on-going customer needs.
Utilises the feedback received by customers, in order to develop new and/or improve existing services/ products that relate to their on-going needs.
Thinks of new ways to align the IF’s offerings with future customer needs.
b) Self-awareness and Self Control

Acts to promote a friendly climate and good morale and resolves conflicts.
Creates opportunities for cross-functional working.

Click here to apply

We wish you all the best with your applications

Share this post on

Facebook X LinkedIn

Vacancies with Collen

A trusted website that shares verified vacancies

Share this post on

Senior Project Finance Specialist

Click here to apply

Public Relations Officer

Click here to apply

Credit Model Technician

Click here to apply

Head Programme Operations

Click here to apply

Senior Credit Officer: Credit Origination x6

Click here to apply

Technical Specialist: Transport & Logistics

Click here to apply

Senior Credit Officer: Portfolio Management X2

Click here to apply

Infrastructure Finance Specialist (IF)

Click here to apply

Share this post on

Be the first to comment

Leave a Reply Cancel reply